We are a Registered Investment Adviser providing financial planning & tax-efficient wealth management. As a fiduciary, we are custom to every client, prefer simplicity (e.g. Index ETFs, CD, Schwab), or can work on an hourly basis.
Are you a fiduciary?
Yes, we have a legal obligation to act in your best interest.
What does a financial advisor do?
Every client situation is unique, and there is no one size fits all answer. Some examples are: budgeting, portfolio management, goal setting, organization, behavioral coaching, retirement, tuition, tax & estate planning, personalized service and family relationship.
Why should I pay a financial advisor?
Look closely at your accounts. Chances are, you are paying in one way or another (e.g. lost interest on deposits, paid interest on debt, expense ratios, surrender costs, etc). The question then becomes, are you better off continuing your current strategy at “X” cost, or hire a professional looking out for your best interest at “Y” cost.
Will there be tax or penalty if I switch?
Typically not, but we would need to review what is being transferred first. Usually, we can transfer assets “in-kind” or by way of “rollover”, which isn’t a taxable event.
How do you make money?
We can work on an hourly basis or manage accounts for a negotiated management fee.
If I decide to cancel, how do I do it?
There are a few ways:
- Contact Schwab and they will remove us as your advisor
- Contact a new custodian and initiate an account transfer
- Contact us and we will remove ourselves (or tap here)
Do you offer retirement planning?
Yes, from our 1 page checklist, to comprehensive analysis, it all starts with a goal (e.g. retire by 67).
What is your investment philosophy?
We are 100% custom to your unique situation and existing assets. Generally, we prefer simple solutions like Index ETFs & CDs.
Can you help with my taxes & estate?
Yes, but there are boundaries. As an example, we can help you tax-loss or gain harvest, convert to roth, designate certain lots for charitable giving, or help with required minimum distributions, but we could not help you navigate an IRS audit. Or, we can help convert your accounts to a trust to address complex issues, work with your power of attorney, or designate beneficiaries, but we could not draft the governing document(s) themselves.